Farmers & Merchants Bank of Colby: how it compares with its peers
Against 50 KS banks with half to twice its assets, Farmers & Merchants Bank of Colby's strongest measure in Q2 2026 is assets per employee ($15.9M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.71% vs. 3.98%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.50% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 3.98% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.95% | 59.19% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.9M | $6.7M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.03% | 80.50% | Context |
What it means for lending operations
Its efficiency ratio of 38.95% is better than the 59.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Outdoor Bank Manhattan, KS · $649M
- The Bank of Tescott Tescott, KS · $648M
- Exchange Bank & Trust Atchison, KS · $627M
- First Bank Kansas Salina, KS · $619M
- The Bank Oberlin, KS · $617M
- Union State Bank Arkansas City, KS · $719M
Questions about Farmers & Merchants Bank of Colby
How big is Farmers & Merchants Bank of Colby?
Farmers & Merchants Bank of Colby, established in 1998, is headquartered in Colby, KS. It reported $651M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Farmers & Merchants Bank of Colby's return on assets?
1.69% annualized in Q2 2026, against a 1.50% median for 50 KS banks with half to twice its assets, ahead of 68% of them.
What is Farmers & Merchants Bank of Colby's efficiency ratio?
38.95% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 59.19%, and lower is better.
Is Farmers & Merchants Bank of Colby growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits grew 11.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.